Joined Cases C-84/19, C-222/19 and C-252/19: Judgment of the Court (First Chamber) of 3 September 2020 (requests for a preliminary ruling from the Sąd Rejonowy Szczecin — Prawobrzeże i Zachód w Szczecinie, Sąd Rejonowy w Opatowie — Poland) — Profi Credit Polska SA v QJ (C-84/19), BW v DR (C-222/19), QL v CG (C-252/19) (Reference for a preliminary ruling — Consumer protection — Directive 93/13/EEC — Article 1(2) — Scope — National provision providing for the maximum amount of non-interest credit costs — Article 3(1) — Contractual term passing on to the consumer costs of the lender’s business activity — Significant imbalance between the rights and obligations of the parties — Article 4(2) — Obligation to draft contract terms in plain intelligible language — Contractual terms which do not specify the services for which remuneration is sought — Directive 2008/48/EC — Article 3(g) — National legislation laying down a method of calculating the maximum non-interest credit cost which may be charged to the consumer)